The banking industry is undergoing an enormous change. And, whether you like it or not, your business is stuck in the middle of it. Your paper checks are slowly disappearing in lieu of electronic payments.

Would-be psychotherapist Carolyn Berkowitz helps drive the CSR field from the helm of Capital One Foundation. I met with her recently and had the chance to discuss her own career path and how the business value of pro bono service has made it a core strategy.

It's bad enough that the joining of Capital One and ING created yet another too-big-to-fail bank; that it created a too-big-to-fail bank with a record of abusing and exploiting customers struck us -- and many other consumer advocates -- as beyond the pale.

If you are on the House Financial Services Committee or the Senate Banking committee or one of the regulators for the numerous corporations that operate in the financial services sector, you have had very little down time this summer.

In it first 365 days, the Consumer Financial Protection Bureau has already done more to protect the American public than this do-nothing Congress has accomplished since it was sworn in back in the dawn of 2011.

Something really bad happened at a big bank, and tens of millions of dollars are being shelled out in settlements, and yet so far no heads are rolling. Just maybe that's because ripping off customers is now part of the business model for major banks. And why punish executives for doing their job?